HDFC Ergo Individual Personal Accident Plan 3

Personal accident plan with varying coverage options

HDFC Ergo Individual Personal Accident Plan 3

All You Need To Know

Features

  • The cover provided is applicable 24 hours a day, 7 day a week, 365 / 366days of the year
  • The individual stands protected by this Personal Accident cover in India and any other location worldwide
  • No health check up required
  • Life Long Renewability

 

 

Eligibility

  • ​​​​​​​​​​​​​​Age Criteria: 18 years to 65 years
  • Offers 7 options from a minimum coverage of Rs. 10 Lacs to a maximum of Rs. 1 cr.
  • Policy Tenure 1, 2 & 3 years

    Benefits

    Coverages from 10 to 25 Lacs Sum insured

    • Accidental Death: Pays the Sum Insured in the event of an accidental bodily injury causing the insured person’s death.
    • Permanent Disability: Pays the percentage of Sum Insured as stated in the table of benefit (Table A), if the Insured is permanently disabled due to an accident.
    • Dependent Child Education Benefit-Payable for 1 year: Pays the education fees for the insured person’s dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
    • Medical Insurance Premium Indemnity payable upto 1 year: Pays the actual costs of medical insurance premiums for the insured person’s surviving spouse and dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
    • Dependent Girl Child Wedding Benefit: Pays the Sum Insured as stated in the schedule, if an accident causes the insured person’s death.(This coverages is available from 15 Lacs & above Sum insured)

    Coverages from 50 Lacs to 1 crore Sum insured

    Click here to read policy wording.

    • Accidental Death: Pays the Sum Insured in the event of an accidental bodily injury causing the insured person’s death.
    • Permanent Disability: Pays the percentage of Sum Insured as stated in the table of benefit (Table A), if the Insured is permanently disabled due to an accident.
    • Dependent Child Education Benefit-Payable for 1 year: Pays the education fees for the insured person’s dependent child up to the amount stated in the schedule, if an accident causes the insured person’s death
    • In-Hospital Medical Expenses-Accident Only: Reimburse hospitalization costs up to maximum sum insured if bodily injury due to an accident results in hospitalization
    • Hospital Daily Cash-Accident only:Provides a daily benefit up to a maximum of 30 days in case of hospitalisation due to an Accident.

    Negative List

    • Armed Forces (Army / Navy / Air Force)
    • Para‐military Forces (BSF, RAF, CRPF, etc)
    • Professional Sports Persons
    • Hazardous Sports (Bungee jumping, Jet‐Skiing, Para‐gliding, etc)
    • Merchant Navy
    • Airline Pilots
    • Off‐shore Workers (Oil rigs / Drilling platforms)
    • Structural workers, Window cleaners, Junk/salvage workers, Saw mill workers, Security guards, Mine workers, Fire workers & Fire fighters

    Exclusions

    Bodily Injury / Sickness caused:

    • Intentionally
    • Due to Civil War or Foreign War
    • Under the influence of Alcohol /drug
    • Due to driving two wheeler of more than 150 cc
    • Due to AIDS / HIV
    • Due to active participation in violent labour disturbance / public disorder
    • On duty with military or police force or paramilitary organization
    • Due to participation in hazardous sports

     

    PLEASE NOTE: 
    *This content is descriptive only. Actual coverage is subject to the language of policy issued. 
    **These are illustrative exclusions. For a detailed list, kindly refer to the policy wordings.
    Disclaimer: Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale. Certified Corporate Agent's License No. CA0010

    Note: Coverage’s, terms and conditions and exclusions are only outlined briefly. For complete details; please refer to the policy wordings

    Benefits & premium details

     


      Benefits Table& Premium Details

      Individual Personal Accident Net Banking Plan 3

      Coverages / Plan Option

      Option 1

      Option 2

      Option 3

      Option 4

      Accidental Death

      1,000,000

      1,500,000

      2,000,000

      2,500,000

      Permanent Disablement(Table A)

      1,000,000

      1,500,000

      2,000,000

      2,500,000

      Dependent Child Education - Payable for 1 year

      100,000

      150,000

      200,000

      250,000

      Medical Insurance Premium Indemnity - Payable for 1 year

      100,000

      150,000

      200,000

      250,000

      Dependent Girl Child Wedding Benefit

      Nil

      150,000

      200,000

      250,000

      1 Year Premium with 15% ST

      1124

      1685

      2247

      2808

      2 Years Premium with 15% ST

      2169

      3251

      4337

      5420

      3 Years Premium with 15% ST

      3135

      4700

      6270

      7835


      Individual Personal Accident Net Banking Plan 3

      Coverages / Plan Option

      Option 5

      Option 6

      Option 7

      Accidental Death

      5000000

      7500000

      10000000

      Permanent Disablement(Table A)

      5000000

      7500000

      10000000

      Dependent Child Education - Payable for 1 year

      500000

      750000

      1000000

      In-Hospital Medical Expenses - Accident Only

      100000

      100000

      100000

      Hospital Cash - Accident Only(Max upto 30 days)

      1000/day

      1000/day

      1000/day

      1 Year Premium with 15% ST

      6656

      9337

      12018

      2 Years Premium with 15% % ST

      12847

      18021

      23194

      3 Years Premium with 15%  ST

      18571

      26050

      33529

      Note: Coverage’s, terms and conditions and exclusions are only outlined briefly. For complete details; please refer to the policy wordings



      Claim

      You can make a claim by calling our Toll free number 1800-226-226 (MTNL or BSNL Line) or 1800-2-700-700 (Accessible from India only) or 022 66384800 ( Local / STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted

      Substantial income proof required for certain coverages. Pls refer HDFCERGO site / policy document.

      PLEASE NOTE: Documents in addition to those mentioned above may be asked for, depending on the nature of accident and claim lodged. Please retain a copy of the documents sent for your records.

      To download the claim form, click here

      Disclaimer:

      Please note that HDFC Bank is a corporate agent of HDFC ERGO. The Contract of insurance is between HDFC ERGO and the Insured only and HDFC Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. Insurance is the subject matter of the solicitation. For more details on coverage, terms and conditions, please read the policy document carefully before conducting a sale. 
      Certified Corporate Agent's License No. CA00100

      FAQs

      What are the benefits payable under this policy?
      Now you can protect your entire family with Personal Accident Insurance against accidental injuries. The policy provides the benefits to you and your family, for Accidental Death, Permanent Disability, Broken Bones, Burns due to an accident. It also provides benefit of Ambulance cost and hospital cash.

      How many members can be included under the Family Plan?
      You can include your spouse as well as two dependent children under the Family Plan.

      Can I include my parents in this policy?
      Yes, you can include your dependent parents up to 70 years. Personal Accident Insurance provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.

      What are the available plans with under this policy?
      HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with four plan options to choose.

      1.    Self Plan
      2.    Self & Family Plan
      3.    Self + Dependent Parents Add-on.
      4.    Self & Family Plan + Dependent Parents Add-on
      ​​​​​​​

      What is the definition of a dependent child?
      Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education

      Is there an age limit for opting Personal Accident Insurance policy?
      Personal Accident Insurance is open to everyone from the age of 18 years to 65 years.

      How do I make a claim?
      You can make a claim by calling 022-6234 6234 (Accessible from India only) or 022 66384800 ( Local / STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.

      When does my policy start?
      The policy will commence within 15 days from the date of receipt of form & premium payment.

      What kind of documentation is required?
      The best part of this policy is that it has hassle free documentation. All you need to do is fill the complete proposal form with relevant details and sign it .Tick any one plan and attach a cheque or fill the credit card details in the form.

      What is the benefit of broken bones under this policy?
      Pays 10 % of Sum Insured upto 50,000(for dependent parents), if an accident results in broken bones.